Against the backdrop of accelerating digital transformation of global financial services, artificial intelligence (AI) is becoming increasingly important, and it is slowly becoming a core driver of fintech innovation, as well as growing the value of small and medium-sized enterprises (SMEs). This article is dedicated to talking about how AI technology and fintech can be deeply combined to create intelligent systems that can help SMEs break through financing barriers, improve operational efficiency, and realise systemic changes in the path of value creation. By comprehensively and meticulously combing the latest trends in the application of AI in the field of financial services globally, this article finds that AI tools such as predictive analytics, intelligent customer service, and fraud detection are playing a big role. They are like a ‘scalpel’, little by little reshaping the financial services process. So customers have a better experience when receiving financial services, and financial institutions themselves have become more resilient in their operations, able to respond to a variety of situations more flexibly. Mobile payment, blockchain, P2P lending, these innovations in fintech, are also bringing new changes to financial services. Combined with the actual practices of some representative enterprises, this article builds an AI value-driven model from the perspective of the three dimensions of ‘labour-capital-finance’. Key factors such as R&D investment intensity, talent structure optimisation, and operational transformation efficiency are the key ways for fintech companies to achieve a significant increase in enterprise value with the help of AI technology. The study concludes that creating an AI-powered smart financial ecosystem can make it easier for SMEs to get credit facilities and their access to market resources stronger; it also helps them to grow steadily in such a complex digital environment nowadays, and even go global to expand their business. The article concludes with suggestions for supporting strategies such as regulatory policies, digital infrastructure construction and SME digital literacy enhancement, in the hope of building a new financial development that is more inclusive, resilient, and exceptionally smart.

Xin Cui. An AI-Driven FinTech Intelligent System for Enhancing SME Value Growth. Socio-Economic Statistics Research (2025), Vol. 6, Issue 2: 11-23. https://doi.org/10.38007/SESR.2025.060202.

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